Classic Car Insurance That Does Not Require a Garage [Expert Advice + Classic Car Rates]

Finding classic car insurance that doesn't need a garage can be difficult. Auto insurance companies often require classic cars to be secured. Classic car coverage averages $50.47/mo. but it can be more costly if you don't have a garage. As always, it's best to shop around to find affordable auto insurance with no garage. Cheap auto insurance quotes with no garage don't have to be impossible to find.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jul 16, 2021

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Things to remember...

  • Most specialty companies require that a car be stored in a garage
  • Drivers are encouraged to invest in Agreed Value plans to protect their investment
  • Expect insurance companies to also have limitations on miles driven

Your classic car is your pride and joy, so you want to give it the right level of protection. In addition to insurance, you may also have it secured in a locked, weathertight garage.

However, if you don’t have a garage, then you may find that it’s difficult to find an auto insurance provider who wil cover you with classic car insurance with no garage.

The good news is that you can always shop around for cheap auto insurance and find a company that will protect your car even if it just has a simple canvas cover for protection.

If you are ready to buy auto insurance with no garage, enter your ZIP code above for free quotes that compare multiple auto insurance companies at once for classic car insurance that does not require a garage.

Proof of A Proper Garage is Typically Required For Classic Cars

Classic cars require special insurance, and most plans require that they will be kept in an appropriate garage.

In addition to stating that the vehicle will be sheltered from the weather and vandals, you can also expect to send pictures to the company to prove that you have the right structure.

Many owners consider the garage to be just another expense associated with owning a classic car. If you don’t have an on-site garage, then consider renting space from someone else.

You may want to have it in a climate-controlled facility that can also keep a charge on the battery.

Whether you’re going to store the vehicle on your property or someone else’s, you can save a little money by shopping around for better rates.

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How to Find the Best Classic Car Insurance

If you have a high-value classic car, then it may be worth the investment to store it in an appropriate facility. This video shows the importance of having the proper coverage for your classic car.

However, if your car is currently in poor condition and won’t be restored for a while, then you may not want to make the garage a top priority just yet.

In this case, you can speak openly with your insurance company about the value and condition to see if they’ll cover your car even though it’s not in a garage.

Who sells classic car insurance?

Who sells classic car insurance? You have a lot of options here to help you decide: who has the best classic car insurance for you? Many traditional auto insurance companies sell coverage, which means you can get SafeCo classic car insurance or State Farm modified car insurance coverage if your classic has extra modifications.

But you have to decide what you think is the best insurance for classic cars, and that might mean a specialty company such as Grundy classic car insurance.

Can you get full coverage on a classic car? You can and should, but your rates will change based upon where you live, just like regular auto insurance. Check out these classic car auto insurance rates by state in the table below.

Average Annual Classic Car Auto Insurance Rates by State
StatesAverage Annual Full Coverage RatgesAverage Annual Comprehensive RatesAverage Annual Collision RatesAverage Annual Liability Rates
South Dakota$460.15$154.87$125.15$180.13
North Dakota$463.98$138.62$146.45$178.91
North Carolina$473.45$81.65$176.15$215.65
New Hampshire$491.25$66.46$184.45$240.34
New Mexico$562.55$103.54$166.19$292.82
South Carolina$583.86$108.56$159.04$316.25
West Virginia$615.47$122.57$197.80$295.10
Rhode Island$782.10$79.31$246.91$455.88
District of Columbia$798.44$139.94$281.20$377.29
New York$816.40$102.67$231.01$482.71
New Jersey$829.67$78.81$229.12$521.74
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What is the cheapest classic car insurance? If you aren’t planning to drive your classic car at all, then you may want to look into auto insurance for parked cars. Parked or stored auto insurance is used for cars that will not be moved, even if it’s just over the winter.

Most of the time, you’ll probably be renewing your coverage for six months at a time, even if you make classic car insurance monthly payments, which could be a good time to look into comprehensive-only auto insurance if you won’t be driving it at all.


How a Classic Car is Categorized for Car Insurance Purposes

Some people inherit classic cars or stumble across a great deal, and they don’t realize that they need the right insurance plan. If you have an old car and need insurance coverage, you need to get the right kind.

Traditional policies work under the assumption that cars will depreciate, but classic autos can rise in value over time.

The good thing about insuring classic cars from a brand that specializes in classics is that these companies typically understand how classic cars are treated and are a good classic auto insurance company for classic cars. They know that the cars are taken care of the following ways:

  • driven infrequently
  • protected from the elements
  • pampered

When a car is mainly used for weekend shows a few times a year, you can expect to find reasonable rates by shopping around.

But if you’re going to drive the car at all, you need at least your state’s minimum liability coverage required. The auto insurance laws vary for each state and you should be aware of it before driving around.

And you want more than just the minimum required for a classic car, especially since an estimated one in eight drivers in this country are driving around uninsured.

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Standard vs. Agreed Value Policies

When it comes to vehicle valuation, insurance companies usually rely on NADA values. However, it’s harder to determine the worth of an older car that’s no longer in production.

This video from Heacock Classic talks a little bit about agreed-upon value versus standard value.

The insurance companies are more than happy to set a value for you, but it may not be near enough to cover replacement parts that are hard to find and the higher cost associated with specialty garages. This is why it’s important to go with an Agreed Value policy.

With this type of policy, you can set the insured value so that you’ll be able to get your car back on the road after an accident.

You may have to accept certain limitations on mileage, a ban on commuting, and the requirement that your car will be stored in a garage.

These restrictions may seem like a pain, but they’re in place to protect the insurance company from losses and to keep your prized possession safe.

The Definition of an Antique Car Varies By Auto Insurance Company

The tricky thing about insuring your older car is that the definition of a classic can vary from one company to another.

The Antique Automobile Club of America says it’s simply any vehicle that’s more than 45 years old. However, states like Michigan require that the vehicle is more than 26 years old and acquired as a collectible.

It’s important that you speak openly with any insurance company about the vehicle that you own. Your agent can provide you with more information regarding their definition and your future rates.

Registration of Classic Vehicles

Before you can get your vehicle insured as a classic car, your classic has to be officially registered that way.

There are extra steps you have to take when you register a classic car with the DMV. These requirements vary by state, but these are there to cut down on fraud.

Technically, a classic car shouldn’t be for daily use. These extra steps are there to prevent people from labeling their vehicle as a classic car to avoid higher insurace rates.

If you’re looking for the best classic car insurance, forums and searches can get you there. But, you can also get multiple quotes at once.

If you want classic car insurance that doesn’t require a garage, enter your ZIP code below to find auto insurance rates with no garage that work for you. Which auto insurance company with no garage is for you? Find out now.

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